<section class="Hui-container">	
	<div class="Hui-wraper">
		<div id="qna_application">	
			<h2>申请</h2>
			<ul id="Huifold1" class="Huifold">
		    	<li class="item">
		       		<h4>申请条件是什么？<b>+</b></h4>
		        	<div class="info"> 要获得Brilliance Finance的贷款，你必须符合以下条件:<br>
					1.中国大陆公民<br>
					2.获得Brilliance Finance合作大学的录取通知 <br>
					3.通过我们的信用评估和背景调查。你不能有任何不良信用记录<br>  
		       		</div>
		     	</li>
		     	<li class="item">
		       		<h4>申请截止时间？<b>+</b></h4>
		        	<div class="info">请在截止日之前完成申请:<br>
					Fall term: 5月31日<br>
					Spring/Winter term: 11月31日<br>
		       		</div>
		     	</li>
		      	<li class="item">
		        	<h4>Brilliance Finance与哪些学校合作?<b>+</b></h4>
		       		<div class="info">
		    		目前我们只接受以下几所学校的学生贷款：<br>
					1.Aarhus University<br>
					2.Boston University<br>
					3.Brown University<br>
					4.California Institute of Technology (Caltech)<br>
					5.Carnegie Mellon University<br>
					6.Columbia University<br>
					7.Cornell University<br>
					8.Dartmouth College<br>
					9.Delft University of Technology<br>
					10.Duke University<br>
					11.Durham University<br>
					12.Ecole normale supérieure, Paris<br>
					13.Ecole Polytechnique<br>
					14.EPFL (Ecole Polytechnique Fédérale de Lausanne)<br>
					15.Erasmus University Rotterdam <br>
					16.ETH Zurich - Swiss Federal Institute of Technology<br>
					17.Fudan University<br>
					18.Georgia Institute of Technology<br>
					19.Harvard University<br>
					20.Imperial College London<br>
					21.Johns Hopkins University<br>
					22.KAIST - Korea Advanced Institute of Science & Technology<br>
					23.King's College London<br>
					24.KU Leuven<br>
					25.Kyoto University<br>
					26.Leiden University<br>
					27.London School of Economics and Political Science (LSE)<br>
					28.Ludwig-Maximilians-Universit?t München<br>
					29.Lund University<br>
					30.Massachusetts Institute of Technology (MIT) <br>
					31.McGill University<br>
					32.McMaster University<br>
					33.Nanyang Technological University, Singapore (NTU)<br>
					34.National Taiwan University (NTU)<br>
					35.National University of Singapore (NUS)<br>
					36.New York University (NYU)<br>
					37.Northwestern University<br>
					38.Osaka University<br>
					39.Pennsylvania State University<br>
					40.Princeton University<br>
					41.Purdue University<br>
					42.Queen Mary University of London<br>
					43.Rice University<br>
					44.Ruprecht-Karls-Universitaet Heidelberg<br>
					45.Seoul National University<br>
					46.Stanford University<br>
					47.Technische Universit?t München <br>
					48.The Chinese University of Hong Kong (CUHK)<br>
					49.The Hong Kong University of Science and Technology<br>
					50.The Ohio State University<br>
					51.The University of Edinburgh<br>
					52.The University of Hong Kong<br>
					53.The University of Manchester<br>
					54.The University of Nottingham<br>
					55.The University of Sheffield<br>
					56.The University of Tokyo<br>
					57.The University of Warwick<br>
					58.Tokyo Institute of Technology<br>
					59.Trinity College Dublin<br>
					60.UCL (University College London)<br>
					61.Université de Montréal <br>
					62.University of Alberta<br>
					63.University of Amsterdam<br>
					64.University of Birmingham<br>
					65.University of Bristol<br>
					66.University of British Columbia<br>
					67.University of California, Berkeley (UCB)<br>
					68.University of California, Davis<br>
					69.University of California, Los Angeles (UCLA)<br>
					70.University of California, San Diego (UCSD)<br>
					71.University of California, Santa Barbara (UCSB)<br>
					72.University of Cambridge<br>
					73.University of Chicago<br>
					74.University of Copenhagen<br>
					75.University of Geneva<br>
					76.University of Glasgow<br>
					77.University of Groningen<br>
					78.University of Helsinki<br>
					79.University of Illinois at Urbana-Champaign<br>
					80.University of Leeds<br>
					81.University of Maryland, College Park<br>
					82.University of Michigan<br>
					83.University of Minnesota<br>
					84.University of North Carolina, Chapel Hill<br>
					85.University of Oxford<br>
					86.University of Pennsylvania<br>
					87.University of Pittsburgh<br>
					88.University of Southampton<br>
					89.University of Southern California<br>
					90.University of St Andrews<br>
					91.University of Texas at Austin<br>
					92.University of Toronto<br>
					93.University of Virginia<br>
					94.University of Washington<br>
					95.University of Wisconsin-Madison<br>
					96.University of Zurich<br>
					97.Uppsala University<br>
					98.Utrecht University<br>
					99.Washington University in St. Louis<br>
					100.Yale University<br>	        
		        	</div>
		    	</li>
		    </ul>				
		</div>	
		<div id="qna_agreement">	
			<h2>借贷条款</h2>
			<ul id="Huifold1" class="Huifold">
		    	<li class="item">
		       		<h4>我的利率是如何计算的？<b>+</b></h4>
		        	<div class="info"> 		        	
		        	你的具体利率由诸多因素决定，如：学校及专业、学业成绩、信贷记录等<br>
		        	你可以选择不同币种的贷款，例如： <br> 
		        	Brilliance Finance的美元借贷利息是 3-month US Libor + 5.5-8.5%。例如：2016年3月23日,3-month US Libor是0.63% ，我们提供的美元利息是6.13-9.13%<br>
		        	我们的人民币借贷利息是人民币贷款基准利率 + 3.3-6.3%。例如：2016年3月23日，人民币贷款基准利率（5年）是4.75% ，我们的人民币利息是8.05-11.05%<br> <br>        
		        	</div>
		     	</li>
		     	<li class="item">
		       		<h4>贷款范围是多少？<b>+</b></h4>
		        	<div class="info"> 
		        	每次贷款金额的范围是5-20万人民币<br>
		       		</div>
		     	</li>
		     	<li class="item">
		       		<h4>我是否需要抵押物？<b>+</b></h4>
		        	<div class="info"> 
		        	你不需要任何抵押物<br>
		       		</div>
		     	</li>
		     	<li class="item">
		       		<h4>贷款年限是多少?<b>+</b></h4>
		        	<div class="info"> 
		        	你可以申请1-7年的贷款年限<br>
		       		</div>
		     	</li>
		     </ul>
		</div>
		<div id="qna_repayment">	
			<h2>还款</h2>
			<ul id="Huifold1" class="Huifold">
		    	<li class="item">
		       		<h4>我需要每月还款吗？<b>+</b></h4>
		        	<div class="info"> 
		        	是的，你需要按月还款<br>
					你可以申请6-24个月的还款宽限期。期间你只需要偿还利息，宽限期过后再开始偿还本金。<br> 
		       		</div>
		     	</li>
		     	<li class="item">
		       		<h4>我可以一次性提前还款吗？<b>+</b></h4>
		        	<div class="info"> 
		        	可以，你可以随时一次性还清所有贷款<br>
		        	我们不会收取任何额外的费用<br>
		       		</div>
		     	</li>
		     </ul>
		</div>
		<div id="qna_others">	
			<h2>其它</h2>
			<ul id="Huifold1" class="Huifold">
		    	<li class="item">
		       		<h4>为什么Brilliance Finance可以提供更低的利率？<b>+</b></h4>
		        	<div class="info"> 
		        		Brilliance Finance独有的金融模型包含了40多个参数来评估每一位申请人。与银行不同，我们更看重你的“潜力”。
		        		所以Brilliance Finance不仅考虑到你的现状，更注重你作为“准精英”的未来还款能力。
		        		因此，即便在没有任何抵押的条件下，我们依然可以为你提供较低的利息。
		       		</div>
		     	</li>
		     </ul>
		</div>
	</div>
</section>
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